Are you doing reasearch to find low-cost Jeep Grand Cherokee insurance in Tampa? If you’re new to shopping for Tampa auto insurance quotes online, it’s easy to get confused thanks to all the different types of local and online companies that all promise to save you money.
It’s astonishing, but most car insurance buyers in Florida kept their coverage with the same car insurance company for over three years, and just short of a majority have never quoted car insurance rates at all. Consumers in America could pocket roughly $860 a year just by getting comparison quotes, but they just feel it’s too hard to compare rates and save money.
It’s important to shop coverage around before your policy renews since rates are adjusted regularly by insurance companies. Just because you found the lowest rate on Jeep Grand Cherokee insurance in Tampa a few years ago there may be better deals available now. You can find a lot of misleading information regarding Grand Cherokee insurance on the internet, but by reading this article, you’re going to learn some solid techniques on how to find affordable car insurance in Tampa.
Affordable car insurance in Tampa, FL
The car insurance companies shown below can provide price comparisons in Tampa, FL. If multiple companies are listed, it’s a good idea that you get prices from several of them to find the lowest car insurance rates.
Rates and other information
The price information shown next outlines detailed analysis of insurance prices for Jeep Grand Cherokee models. Having knowledge of how car insurance premiums are calculated can help drivers make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $222 | $420 | $564 | $34 | $168 | $1,408 | $117 |
| Grand Cherokee Laredo 4WD | $222 | $420 | $564 | $34 | $168 | $1,408 | $117 |
| Grand Cherokee Limited 2WD | $250 | $496 | $564 | $34 | $168 | $1,512 | $126 |
| Grand Cherokee Limited 4WD | $250 | $496 | $564 | $34 | $168 | $1,512 | $126 |
| Grand Cherokee SRT-8 4WD | $250 | $496 | $564 | $34 | $168 | $1,512 | $126 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Price estimates do not factor in zip code location which can impact rates noticeably.
Higher deductibles lower rates
A question often asked by Tampa drivers is how high should your deductibles be. The tables below approximate the rate difference of buying low and high physical damage deductibles. The first rate quote example uses a $100 deductible for physical damage and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Grand Cherokee Laredo 4WD | $358 | $648 | $418 | $24 | $124 | $1,597 | $133 |
| Grand Cherokee Limited 2WD | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Grand Cherokee Limited 4WD | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Grand Cherokee SRT-8 4WD | $406 | $764 | $418 | $24 | $124 | $1,761 | $147 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Grand Cherokee Laredo 4WD | $200 | $342 | $418 | $24 | $124 | $1,108 | $92 |
| Grand Cherokee Limited 2WD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Grand Cherokee Limited 4WD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Grand Cherokee SRT-8 4WD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage prices considerably.
We can estimate from the data above that using a $100 deductible costs about $45 more each month or $540 each year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 20 months between claim filings, you would save more money by going with a higher deductible.
Yearly car insurance costs for men versus women
The example below shows the difference between Jeep Grand Cherokee premium costs for male and female drivers. The information is based on no claims or violations, full coverage, $100 deductibles, single status, and no other discounts are factored in.
Cost comparison with and without full coverage
The example below shows the difference between Jeep Grand Cherokee insurance premiums with full physical damage coverage and with liability coverage only. The premiums assume no accidents, no driving violations, $100 deductibles, drivers are not married, and no discounts are applied to the premium.
When to drop full coverage
There is no written rule that works best for making the decision to drop physical damage coverage, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Jeep Grand Cherokee replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $7,000 after the policy deductible has been paid. If it’s costing you more than $700 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are some circumstances where removing full coverage is not advised. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should maintain full coverage.
Get discounts on Tampa car insurance
Properly insuring your vehicles can get expensive, but there may be some discounts to help offset the cost. Certain discounts will be applied at the time you complete a quote, but some must be manually applied in order for you to get them.
- Organization Discounts – Participating in specific professional or occupational memberships or organizations could trigger savings on your next renewal.
- Own a Home and Save – Owning your own home or condo can save a few bucks due to the fact that maintaining a home requires a higher level of personal finance.
- Discounts for Seat Belt Usage – Forcing all vehicle occupants to use a seat belt can save a little off the PIP or medical payment premium.
- Buy New and Save – Adding a new car to your policy is cheaper due to better safety requirements for new model year vehicles.
- Bundled Policy Discount – If you can combine your homeowners and auto policy with one insurance company you may earn 10% to 20% off each policy.
It’s important to note that most discounts do not apply to the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates you can get free auto insurance, you’re out of luck. But any discount will definitely lower your premiums.
The diagram below illustrates the comparison of Jeep Grand Cherokee insurance prices with and without discounts applied to the premium. The data is based on a female driver, no violations or accidents, Florida state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, safe-driver, multi-car, and claim-free discounts applied.
The best car insurance companies and the discounts they provide can be found below.
- State Farm may have discounts that include safe vehicle, accident-free, driver’s education, anti-theft, multiple autos, passive restraint, and Steer Clear safe driver discount.
- Liberty Mutual offers premium reductions for exclusive group savings, preferred payment discount, newly retired, multi-policy, and new move discount.
- American Family discounts include early bird, multi-vehicle, good driver, good student, TimeAway discount, and defensive driver.
- Progressive has savings for multi-vehicle, online signing, good student, online quote discount, multi-policy, homeowner, and continuous coverage.
- Farmers Insurance has discounts for switch companies, distant student, bundle discounts, multi-car, and early shopping.
- Auto-Owners Insurance includes discounts for air bags, teen driver, multiple vehicles, mature driver, company car, student away at school, and group or association.
- SAFECO policyholders can earn discounts including teen safety rewards, anti-lock brakes, drive less, safe driver, and teen safe driver.
If you need lower rates, check with every company the best way to save money. Some of the earlier mentioned discounts might not be offered on policies in your area. To locate providers who offer online Jeep Grand Cherokee insurance quotes in Tampa, click this link.
What Determines Jeep Grand Cherokee Insurance Rates?
Many factors are used in the calculation when you get your auto insurance bill. Some are obvious like an MVR report, but other factors are less apparent such as whether you are married or how safe your car is. The best way to find cheaper car insurance is to take a look at some of the factors that aid in calculating the rates you pay for car insurance. If you understand what controls the rates you pay, this empowers consumers to make smart changes that may result in big savings.
The factors shown below are most of the major factors used by insurance companies to determine your rate level.
Bundle and save – Most car insurance companies allow discounts to policyholders that purchase more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s always a smart idea to get quotes from other companies to help guarantee you have the best rates.
Traffic violations will cost you – Having a clean driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets get better prices compared to bad drivers. Having a single speeding ticket or other violation can boost insurance rates by twenty percent. Drivers who have multiple violations like DUI or reckless driving may need to prove financial responsibility with their state motor vehicle department in order to prevent a license revocation.
The diagram below illustrates how violations and at-fault claims can affect Jeep Grand Cherokee auto insurance rates for different age groups of insureds. The price estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
Never let your coverage expire – Driving your car without having proper coverage can get you a ticket and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you a hefty fine and possibly a revoked license.
What type of car do you drive? – The performance of the vehicle you are insuring makes a big difference in how high your rates are. Lower cost passenger vehicles normally have pretty low rates, but other factors influence the final cost greatly.
The next chart uses these variables: single male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Jeep Grand Cherokee rates compared to other vehicles that have different performances.
Lower car insurance rates with GPS tracking and theft deterrents – Driving a car that has an advanced theft prevention system can help lower your rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft and help bring rates down.
Pay less with a high safety rating – Cars with five star safety ratings get lower rates. These vehicles protect occupants better and reduced instances of injuries translates into fewer and smaller insurance claims which can result in lower premiums. If the Jeep Grand Cherokee has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
Do you need those incidental coverages? – Policies have additional extra coverages you can purchase on your car insurance policy. Coverage for things like personal injury protection, death and dismemberment, and additional equipment coverage could be just wasting money. They may sound like good ideas at first, but if you have no use for them consider taking them off your policy.
Insurance losses for a Jeep Grand Cherokee – Insurance companies factor in historical loss data to help calculate a profitable premium price. Models that statistically have a trend towards higher claims will have a higher cost to insure. The table below illustrates the insurance loss data for Jeep Grand Cherokee vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, is set at 100. Values under 100 represent a good loss history, while values that are 100 or greater indicate more frequent claims or tendency to have higher losses.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Jeep Grand Cherokee 4dr 2WD | 81 | 111 | 71 | 62 | 60 | 94 |
| Jeep Grand Cherokee 4dr 4WD | 91 | 112 | 98 | 67 | 63 | 89 |
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Tailor your auto insurance coverage to you
When it comes to buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique.
For example, these questions could help you determine if your insurance needs would benefit from professional advice.
- Should I have a commercial auto policy?
- Will I be non-renewed for getting a DUI or other conviction?
- Should I get collision insurance on every vehicle?
- Is my vehicle covered by my employer’s policy when using it for work?
- Should I drop comprehensive coverage on older vehicles?
- Why does it cost so much to insure a teen driver in Tampa?
- What does medical payments coverage do?
- When would I need rental car insurance?
- Do I need replacement cost coverage on my Jeep Grand Cherokee?
- Is pet coverage available?
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form.
Compare rate quotes but buy from a neighborhood Tampa auto insurance agent
Certain consumers would rather buy from a licensed agent and that is a smart decision An additional benefit of getting online price quotes is the fact that you can find cheap rate quotes and still have a local agent.
To help locate an agent, after submitting this short form, the quote information is instantly submitted to agents in your area that provide free Tampa auto insurance quotes for your business. It simplifies rate comparisons since you won’t have to visit any agencies because quoted prices will be sent to you. You can find the lowest rates and an insurance agent to talk to. If you wish to compare rates from one company in particular, you just need to find their quoting web page and fill out their quote form.
Choosing the best company requires more thought than just the quoted price. These are valid questions to ask:
- How often do they review coverages?
- Where would glass claims be handled in Tampa?
- Will the agent help in case of a claim?
- Are aftermarket or OEM parts used to repair vehicles?
- Is auto insurance their primary focus in Tampa?
Different types of car insurance agents in Tampa
When researching an insurance agent, there are two different agency structures and how they are distinctly different. Car insurance agents in Tampa can be classified as either exclusive or independent (non-exclusive).
Exclusive Car Insurance Agents
Exclusive agencies have only one company to place business with and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents are unable to compare rates from other companies so keep that in mind. Exclusive insurance agents are well schooled on their products and sales techniques which helps them compete with independent agents. Consumers often choose to use a exclusive agent mostly because of the brand name and strong financial ratings.
Below are Tampa exclusive agencies willing to provide comparison quotes.
- Doug MacDaid – State Farm Insurance Agent
8910 N Dale Mabry Hwy #3 – Tampa, FL 33614 – (813) 935-2937 – View Map - Allstate Insurance: John Fox
4941 E Busch Blvd Ste 150 – Tampa, FL 33617 – (813) 985-3889 – View Map - Adi Khorsandian – State Farm Insurance Agent
20752 Center Oak Dr – Tampa, FL 33647 – (813) 991-4111 – View Map
Independent Car Insurance Agents
These agents are not employed by any specific company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can just switch to a different company and you don’t have to do anything. When comparing car insurance rates, we highly recommend that you include several independent agencies in order to compare the most rates. They also have the ability to place coverage with different regional companies that many times have cheaper rates.
Shown below are independent agencies in Tampa that are able to give price quote information.
- ABC Neighborhood Insurance
1336 W Fletcher Ave – Tampa, FL 33612 – (813) 932-0000 – View Map - Buhl Insurance Agency
2935 W Hillsborough Ave – Tampa, FL 33614 – (813) 876-0057 – View Map - Seibert Insurance Agency
5121 Ehrlich Rd #111 – Tampa, FL 33624 – (813) 960-4672 – View Map
Don’t give up on affordable premiums
We’ve covered many tips how you can find cheap Jeep Grand Cherokee insurance in Tampa. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even discover the best premium rates are with a lesser-known regional company.
Affordable Jeep Grand Cherokee insurance in Tampa is attainable both online and also from your neighborhood Tampa agents, and you need to price shop both in order to have the best price selection to choose from. Some companies may not offer online rate quotes and many times these smaller companies provide coverage only through independent insurance agencies.
As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. Too many times, an insured cut physical damage coverage only to regret that it was a big mistake. Your goal is to find the BEST coverage at the best cost while not skimping on critical coverages.
How to save money on Jeep Grand Cherokee insurance in Tampa
If you want to save money, the best way to get budget Jeep Grand Cherokee insurance is to regularly compare price quotes from insurance carriers in Tampa. Rates can be compared by completing these steps.
Step 1: Gain an understanding of what coverages are included in your policy and the things you can change to prevent expensive coverage. Many rating factors that cause rate increases such as at-fault accidents and an unacceptable credit score can be eliminated by making lifestyle changes or driving safer.
Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO or State Farm, while agents who are independent can give you price quotes from multiple companies.
Step 3: Compare the new rate quotes to your current policy to see if you can save by switching companies. If you find better rates and switch companies, make sure there is no coverage gap between policies.
Step 4: Tell your current company of your intent to cancel your existing policy. Submit a completed application and payment to your new company or agent. Be sure to place the new certificate of insurance in your glove compartment.
The key thing to know about shopping around is to use the same liability limits and deductibles on every quote request and and to compare as many different companies as possible. Doing this enables a level playing field and a complete price analysis.
Additional insurance information is located at the links below
- Teen Driving Statistics (iihs.org)
- Who Has Affordable Auto Insurance Quotes for a Ford Escape in Tampa? (FAQ)
- How Much is Auto Insurance for 4×4 Vehicles in Tampa? (FAQ)
- How Much are Auto Insurance Rates for Drivers Under 21 in Tampa? (FAQ)
- Who Has Affordable Auto Insurance for Unemployed Drivers in Tampa? (FAQ)
- Who Has Cheap Auto Insurance for a Jeep Grand Cherokee in Tampa? (FAQ)
- Who Has Cheap Auto Insurance for a School Permit in Tampa? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- Understanding Car Crashes Video (iihs.org)